Long-term disability
Extended security that protects you for the long haul.
After your short-term disability runs out, long-term disability (LTD) protects you with regular cash payments that last for months or years, not weeks.

Peace of mind when you can’t work.


Long-term disability

This plan pays up to 50% of your
average monthly wage until Social
Security retirement age.


Long-term disability enhanced

This upgraded plan pays up
to 60% of your average
monthly wage.


Truck drivers

You get the same coverage amounts,
plus a choice of coverage for five
years or until retirement age.

When Nicole was diagnosed with breast cancer, LTD reduced a lot of her financial stress.
When coverage begins
  • If you enroll when you first become eligible, coverage begins on your 12-month anniversary for full-time hourly associates, and on your hire date for salaried associates.
  • If you enroll after you're hired but before your 12-month anniversary, coverage begins on your anniversary date.
  • If you enroll any time after your 12-month anniversary, there’s no waiting period. You will have to provide Evidence of Insurability, and coverage begins when that is approved.
  • You can only add or drop this coverage during Annual Enrollment or if you have a status change event like a marriage or a birth.
Your cost
  • Your cost is based on your age. You’ll find it in the 2021 rates.
  • Your cost per paycheck is deducted from all wages including bonuses.
  • You’re not required to pay for long-term disability from your disability payments. But if you receive any other payments through Walmart payroll, long-term disability premiums will be withheld.
Filing a claim
  • If you’re already on an approved short-term disability claim and you are enrolled in long-term disability, your claim will automatically be transitioned to long-term disability when your short-term coverage is ending.
  • To file a new claim, contact Lincoln Financial Group at 800-492-5678 within 90 days of the date your disability begins. 
  • If your claim is approved, payments will begin after your waiting period: 26 weeks or the end of your short‐term disability benefits, whichever is longer.
How payments work
  • Benefits are paid in cash if you’re disabled as defined by the plan.
  • The maximum monthly benefit with long-term disability is $15,000 for the basic plan and $18,000 for the enhanced plan.
  • Benefits are non-taxable.
  • Long-term disability also works together with other benefits you receive and these other benefits may replace a part of your paycheck.
  • You’ll find complete details in the Associate Benefits Book.
More options for drivers
  • Like other associates, truck drivers can choose basic or enhanced coverage.
  • Whichever you choose, you can choose whether your coverage lasts:
    • For up to five years of disability.
    • For the full duration of your disability until your Social Security normal retirement age.
When can I enroll?
  • During your initial enrollment period. This is when you first become eligible for benefits, and it depends on your job classification. Check your enrollment options.
  • During Annual Enrollment, when all eligible associates can sign up or make changes.
  • When you have a status change event, like a marriage or divorce, a birth or an adoption, or a change in your employment that affect benefits coverage. Keep in mind that you can only make changes that are directly related to the event. If you have questions, call People Services at 800-421-1362You’ll find details in the Associate Benefits Book.
  • If you are enrolled in Medicare Part D, you are not eligible to enroll in any Walmart-sponsored medical plan.

When it’s time, enroll online.

Filing a claim? Call Lincoln Financial.
CALL 800-492-5678

More resources

Need help?

Call People Services at 800-421-1362.
For claims help, call Lincoln at 800-492-5678.

What’s changing for 2021?

  • Through Oct. 1, 2020, there’s a 12-month waiting period if you didn’t enroll when you first became eligible. Starting in 2021, you can enroll or drop coverage only during Annual Enrollment or if you have a status change event.
  • Previously, Evidence of Insurability is only required for truck driver associates. As of Oct. 1, 2020, it 's required for everyone.